POS machine used to be the farmer's favorite
UnionPay sign at the entrance of the farmhouse
People from Beiguo Village told reporters that since 2010, banks and credit unions have opened large and small payment systems in Beiguo Village. With the support of Daishan County Rural Credit Cooperative and various commercial banks, Beiguo Folk Village has realized modern payment tools from scratch. Among them, China Postal Savings Bank installed an ATM machine, ICBC, Agricultural Bank, etc. installed POS machines for 168 folk receptionists, and sometimes the daily non-cash transaction amount of Beiguo Village is as high as 120,000 yuan. However, after only one year, the reporter saw in many farmhouses that a thick layer of soil fell on the POS.
Beloved encounters cold
The dust on the POS in the operating household is visible
Guo Guokui, secretary of the North Guocun branch, told reporters that the POS machine was used at a relatively high rate. Since the bank charged the fee, the usage rate began to decrease. At present, except for the large consumption of tens of thousands of yuan, other consumption is very small. The owner of Meiyang’s receptionist told reporters that when the POS machine was installed, the bank said that there was no handling fee for credit card spending, but after using it for a period of time, the bank began to charge a fee, and the POS machine installed in its home used it for four months. A total of 4,000 yuan spent on card spending, but the handling fee was deducted 60 yuan, the cost is too large; another farmer's business owner told reporters that now the folk villages are paid by the number of people, each 25 yuan, the conditions are better each 30 yuan, drinks and drinks, the consumption grade is not high, credit card consumption is not practical, now the home POS machine has been there for several months has not moved, the dust on the thick layer.
Credit card consumption environment needs to be improved
The staff of Baoji Construction Bank said that since the handling fee for credit card consumption is borne by the merchant, the bank will charge different rates according to the different industries such as catering, commerce, wholesale and retail, which are operated by the bank, and there is no Immediately due to account settlement, incomplete reconciliation and other reasons, some small business owners are reluctant to install and use POS machines; from the current situation, although the bank continues to increase publicity, it is convenient for merchants and consumers to promote credit card consumption in rural areas. And the benefits, but due to the misunderstanding of the concept, the card consumption has not been widely recognized by everyone, the installation and usage rate is very low, such as most people are worried that if the first unsuccessful when swiping the card will not cause a second fee, etc. .
The staff said that in order to change the current situation of low POS machine usage rate in rural areas, we must first start from the propaganda, let the business owners and consumers recognize the convenience and safety factor of credit card consumption, so that businesses and consumers can get out of the understanding. Misunderstanding, and the merchants using POS machines will be given certain preferential policies within the applicable period. By continuously improving and perfecting the credit card consumption environment, the POS machines will gradually be accepted by merchants and consumers.
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